A couple standing beside their SUV on a leafy suburban driveway, the woman holding up the car key

Online or by phone, dealer or private sale.

Vehicle and personal
finance in New Zealand,
made easy.

Apply online and we aim to give you an initial decision quickly, often within an hour during business hours, whether you are buying from a dealer or privately.

Apply now Estimate your repayments

Prefer to talk? Call 0800 995 014 and we can take your application over the phone. Call now

The short answer

What does Finance Made Easy do, and how quickly can I get an answer?

Finance Made Easy arranges vehicle loans, for dealer or private sales, and personal loans across New Zealand, plus mechanical warranties through a range of warranty providers, with or without a loan. Apply online for finance in New Zealand and we aim to give you an initial decision quickly, often within an hour during business hours.

Last updated 16 October 2026

Repayment calculator

How much would a loan cost each month?

Move the sliders to see an estimated repayment. Adjust the rate to match a quote.

Amount you need

$5,000$150,000

Interest rate (% p.a.)

8.8%30%

Example rate only. Your rate is confirmed by the lender, so enter a quoted rate if you have one.

Loan term 5 years

1 yr7 yrs

Repayment frequency

Weekly Fortnightly Monthly

Estimated repayment

$556.11per month

Amount financed: $25,000
Term: 5 years
Interest rate: 12.00% p.a.
Number of payments: 60
Total interest: $8,367
Total to repay: $33,367

Apply now

Like the look of that? Apply online and the lender confirms your actual rate.

This calculator gives an indicative estimate only. It is not an offer, a quote, or a guarantee of finance. Your actual interest rate, fees and repayments depend on the lender, the purpose of the loan, the loan term and your individual circumstances, and are subject to credit approval and responsible lending checks. The starting rate shown is an example and rates vary by lender and credit profile. Talk to us for a personalised quote.

A worked question

What does a $5,000 loan cost per month?

At an example rate of 12% p.a. over 5 years (60 monthly payments), a $5,000 loan works out to about $111.23 a month, excluding fees. Your actual rate is set by the lender.

Set the amount to $5,000 above, enter a rate you have been quoted and choose monthly repayments to see your own estimate. Calculator results are estimates only: the lender confirms your rate, fees and repayments before you sign. For a fuller breakdown, estimate your repayments on the calculator page.

Lenders and insurers we work with

What we arrange

Vehicle loans, personal loans and warranty cover.

Finance for the vehicle you are buying, from a dealer or a private seller, arranged with a lender and explained in plain English before you sign. Tell us what you have in mind and we talk you through what a lender will need.

Vehicle loans Apply now

A couple setting up camp chairs beside a caravan at a coastal campsite at dusk

A couple on a sofa reviewing their household budget together on a laptop

A mechanic and a customer looking over a tablet together at a workbench in a small garage

Why FME

Finance should feel clear, not confusing.

Three values guide everything we do: plain-English options, the heavy lifting done for you, from finding the vehicle to the paperwork, and someone firmly on your side with the lender.

Apply now About FME

Hands resting on a kitchen table with loan paperwork, a pen, a laptop and a mug of coffee

Simplicity and transparency

No jargon. We lay out your options in plain English, from the interest rate and term to what a mechanical warranty protects, so you decide with the full picture.

A salesperson handing a car key to a delighted customer beside a hatchback

We handle the heavy lifting

From finding the right vehicle and arranging a fair trade-in valuation to structuring the finance and doing the paperwork, we look after the whole journey so you can enjoy the drive.

A relaxed broker on the phone at a bright desk with a laptop and notebook

Fierce customer advocacy

We take the time to understand your story as well as your application, and give the lender the honest context behind it. Your long-term financial health comes first.

How it works

From application to funding, in four steps.

A woman at her kitchen bench on the phone, with a coffee and a notebook beside her

Step 1

Apply online, or call if you prefer

Start your application online, whenever suits you. It asks about the loan you need, your income and your outgoings, and we check the details line up before anything goes to a lender. Prefer to talk? Call 0800 995 014 and we can take it over the phone.

A man in work clothes at a timber kitchen table, smiling as he listens on the phone, a hi-vis vest folded beside him

Step 2

A quick initial decision

Your application goes to a lender and we aim to get you an initial decision quickly, often within an hour during business hours. We explain what is approved, any conditions attached, and what the lender needs from you next.

Step 3

Verification

The lender confirms who you are and what you earn. Usually that means your driver licence, proof of address and proof of income. If a lender asks for anything more, we tell you exactly what is needed and why.

A mother and her teenage son loading a mountain bike and groceries into the back of their SUV on a tree-lined street

Step 4

Funding within 24 to 48 hours

Once the lender gives final approval and the loan documents are signed, funding usually follows within 24 to 48 hours. Still choosing a vehicle? Approvals typically remain valid for 30 days.

Car finance in New Zealand

What is the best way to finance a car in New Zealand?

There is no single best way to finance a car in New Zealand. The useful comparison is the total cost over the term, a repayment you can comfortably afford, and the conditions attached to the loan.

The usual routes are finance arranged at the car yard, a vehicle loan arranged before you buy, a personal loan, or cash. Knowing your approved amount before you negotiate keeps the conversation on the vehicle. See vehicle loans for how it works, or car loans for dealer and private sales.

Whichever route you choose, ask before you sign:

What will I repay in total, including interest and every fee?
Is the loan secured over the vehicle, and what does that mean if I fall behind?
Can I repay early, and what does that cost?

Side by side

Vehicle loan, personal loan or mechanical warranty?

Three products for three different jobs, with mechanical warranties available whether or not you borrow.

	Vehicle loan	Personal loan	Mechanical warranty
What it is for	Buying a vehicle	Debt consolidation, a major purchase or another personal cost	Cover for mechanical repairs, on the terms of the provider's policy
Security	Often secured over the vehicle you buy	Secured or unsecured, depending on the lender and the loan	Not a loan, so no security
Do you need to borrow?	Yes	Yes	No, available with or without a loan
How to start	Apply online, or call if you prefer	Apply online, or call if you prefer	Ask for a quote for your vehicle
Read more	Vehicle loans	Personal loans	Warranties

General information only. All lending is subject to lender criteria, and warranty cover is subject to the provider's terms.

Choosing a finance company

How do I check a finance company is legitimate?

Check that it is registered, belongs to a dispute resolution scheme, puts every cost in writing and does not pressure you. You can check all four before you share any details.

01Search the Financial Service Providers Register. Finance Made Easy is a trading name of TrueNorth Financial Services Limited, registered as FSP1011270.
02Check for dispute resolution scheme membership. We belong to Financial Services Complaints Ltd (FSCL), membership 9517, a free and independent service if something goes wrong.
03Ask for the costs in writing: the interest rate, fees, repayment amount and total repayable, before you sign anything.
04Expect no pressure. You should have time to read the loan documents and ask questions, and nobody can promise approval before a lender has looked at your situation.

Who we can help

What are the easiest loans to get in New Zealand?

No loan is automatically easy to get. Every lender in New Zealand has to check that a loan is suitable and affordable before approving it, so the most straightforward applications are simply the best prepared ones.

In practice that means steady income from work you can show, a current driver licence, proof of address, and an honest picture of your outgoings and existing debts. The same applies to personal loans.

Finance Made Easy works with people who are in work. If your main income is a benefit, or you are not working at the moment, we cannot help with finance, and we would rather say so up front. If you are working, apply online, or call 0800 995 014 if you would rather talk.

Questions

Common questions about finance with FME.

Short answers to what people ask before they apply. Anything else, call 0800 995 014.

No. Finance Made Easy arranges your finance with a lender. The lender assesses the application, makes the final decision and sets the interest rate and fees, which are set out in the loan documents before you sign.

People who are working and can show their income. If your main income is a benefit, or you are not working at the moment, we are not able to help. Every application is subject to lender criteria, and applications are not an offer of finance.

Your driver licence, a rough idea of how much you need, and your income and regular outgoings. Then apply online, or call 0800 995 014 if you would rather talk.

We aim to give you an initial decision quickly, often within an hour of applying during business hours. Once the lender has verified your details, given final approval and the documents are signed, funding usually follows within 24 to 48 hours.

Yes. We arrange mechanical warranties through a range of warranty providers, available whether or not you finance your vehicle with us. Cover and pricing depend on the vehicle, so see mechanical warranties or ask us for a quote.

Yes. The lender's loan documents set out the interest rate, fees, repayment amount and total amount repayable, and you can ask us about anything in them before you sign. Calculator results on this site are estimates only.

Applications are not an offer of finance. All lending is subject to lender criteria, affordability, verification and responsible lending checks. Calculator results are estimates only. This page is general information, not financial advice.

Finance Made Easy is a trading name of TrueNorth Financial Services Limited, FSP1011270, and a member of Financial Services Complaints Ltd (FSCL), membership 9517.

See every question on the FAQs page

Finance Made Easy is led by Brenden Fouse. The approach is simple: clear options, plain English, and a straight answer from the start, including when we cannot help.

Who you deal with

Finance Made Easy is a trading name of TrueNorth Financial Services Limited (New Zealand company 9365900), registered on the Financial Service Providers Register and a member of Financial Services Complaints Ltd (FSCL), membership 9517.

Request a call back

Rather we call you?

Answer a few quick questions and we aim to call you within 15 minutes during business hours. It is an enquiry with no obligation, and it is not an offer of finance. Ready to go? Apply online now.

Vehicle loans, personal loans and mechanical warranties
Plain English, no jargon
We aim to call you within 15 minutes during business hours

Prefer to talk? 0800 995 014 info@fmefinance.co.nz

What do you need?

Select the option that fits.